| Feature |
BARMER
Public (via Fintiba)
|
TK
Public (direct)
|
HanseMerkur
Private (Care Student)
|
|---|---|---|---|
| Monthly price (under 23) | 146.29 € | 139.11 € | 101.34 € Lower monthly cost |
| Type | Public health insurance (GKV) | Public health insurance (GKV) | Private health insurance (PKV) |
| Health insurance card & who pays at the doctor |
eGK health card
Show your card. BARMER is billed directly. You usually do not pay upfront for covered services. |
eGK health card
Show your card. TK is billed directly. You usually do not pay upfront for covered services. |
No eGK
You receive invoices, pay first, then upload them via the Care Concept portal/app for reimbursement. |
| Deductible |
No annual deductible
Only small statutory co-payments. |
No annual deductible
Only small statutory co-payments. |
300 € per year
You pay the first 300 € of eligible costs each calendar year yourself before reimbursements start. |
| We communicate with the insurer for you |
Limited
Enrollment mainly via Fintiba. Some communication with BARMER may be handled by you. |
Yes
We communicate directly with TK on your behalf. You have one main contact and less admin. |
Yes
We coordinate with HanseMerkur / Care Concept for you and support you with questions and issues. |
| Overall simplicity for you |
Simple at the doctor
Use your card, predictable coverage, higher price than HanseMerkur. |
Simple + strong support
Use your card, no deductible, and we handle communication with TK. |
Cheaper, more to manage
Lower monthly price but you pay upfront, claim back, and have a 300 € annual deductible. |
